Tier-II lender Family Bank has reported a 55.5% growth in after-tax profit to KES 5.38 billion for the period ended December 31, 2025.
The lender’s strong growth in net earnings was supported by a sharp rise in net interest income to KES 15.6 billion, up 46.1% year-on-year, mainly driven by a 7.8% decline in interest expenses to KES 9.6 billion.
Non-interest income inched up 4.8% to KES 4.6 billion from KES 4.4 billion in the previous year. Consequently, total operating income surged 34.1% to KES 20.2 billion. Pre-tax profit soared by 61.5% to KES 6.3 billion, while profit after tax increased by KES 1.9 billion to KES 5.4 billion, marking the highest net income in the bank’s history. Earnings per Share improved from KES 2.95 to KES 3.93.
Family Bank’s asset base expanded 23.9%, crossing the KES 200 billion mark to reach KES 208.7 billion, supported by a 14.0% growth in loans and advances to customers, which stood at KES 105.9 billion. Customer deposits reached KES 151.9 billion, up 20.1%, underscoring increased credit uptake.
Family Bank Asset Quality and Liquidity
Gross non-performing loans rose by 21.5% to KES 17.6 billion, signaling asset quality pressures. NPLs ratio rose to 15.2% from 14.3% in FY2024. The bank’s liquidity ratio improved from 43.9% to 60.9%, more than three times the minimum statutory requirement set by the Central Bank of Kenya (CBK).
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